WO2004114231A1 - Verification de transactions financieres electroniques - Google Patents

Verification de transactions financieres electroniques Download PDF

Info

Publication number
WO2004114231A1
WO2004114231A1 PCT/US2004/014425 US2004014425W WO2004114231A1 WO 2004114231 A1 WO2004114231 A1 WO 2004114231A1 US 2004014425 W US2004014425 W US 2004014425W WO 2004114231 A1 WO2004114231 A1 WO 2004114231A1
Authority
WO
WIPO (PCT)
Prior art keywords
code
security code
input device
user interface
user input
Prior art date
Application number
PCT/US2004/014425
Other languages
English (en)
Inventor
Mark Wilkinson
Original Assignee
Electronic Data Systems Corporation
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Electronic Data Systems Corporation filed Critical Electronic Data Systems Corporation
Priority to AU2004250576A priority Critical patent/AU2004250576A1/en
Priority to EP04751692A priority patent/EP1627363A1/fr
Priority to CA002524908A priority patent/CA2524908A1/fr
Publication of WO2004114231A1 publication Critical patent/WO2004114231A1/fr

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G06F21/36—User authentication by graphic or iconic representation
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/70—Protecting specific internal or peripheral components, in which the protection of a component leads to protection of the entire computer
    • G06F21/82—Protecting input, output or interconnection devices
    • G06F21/83—Protecting input, output or interconnection devices input devices, e.g. keyboards, mice or controllers thereof
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C9/00—Individual registration on entry or exit
    • G07C9/30—Individual registration on entry or exit not involving the use of a pass
    • G07C9/32—Individual registration on entry or exit not involving the use of a pass in combination with an identity check
    • G07C9/33—Individual registration on entry or exit not involving the use of a pass in combination with an identity check by means of a password
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1025—Identification of user by a PIN code
    • G07F7/1033—Details of the PIN pad
    • G07F7/1041—PIN input keyboard gets new key allocation at each use
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1025—Identification of user by a PIN code
    • G07F7/1083—Counting of PIN attempts

Abstract

L'invention concerne des techniques pour vérifier une transaction financière électronique. Dans certains modes de réalisation, la vérification d'une transaction financière consiste à générer une interface utilisateur comprenant un code de sécurité et associant différentes parties de code à différentes parties d'un dispositif d'entrée utilisateur, ainsi qu'à associer au moins une partie du code à une partie du dispositif d'entrée utilisateur ayant des caractères visuels différents de la représentation visuelle de la partie du code. La vérification d'une transaction financière consiste également à détecter l'activation du dispositif d'entrée utilisateur de manière à générer un code, et à déterminer si le code ainsi généré correspond au code de sécurité.
PCT/US2004/014425 2003-05-05 2004-05-05 Verification de transactions financieres electroniques WO2004114231A1 (fr)

Priority Applications (3)

Application Number Priority Date Filing Date Title
AU2004250576A AU2004250576A1 (en) 2003-05-05 2004-05-05 Verification of electronic financial transactions
EP04751692A EP1627363A1 (fr) 2003-05-05 2004-05-05 Verification de transactions financieres electroniques
CA002524908A CA2524908A1 (fr) 2003-05-05 2004-05-05 Verification de transactions financieres electroniques

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US10/430,361 US7725388B2 (en) 2003-05-05 2003-05-05 Verification of electronic financial transactions
US10/430,361 2003-05-05

Publications (1)

Publication Number Publication Date
WO2004114231A1 true WO2004114231A1 (fr) 2004-12-29

Family

ID=33416229

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2004/014425 WO2004114231A1 (fr) 2003-05-05 2004-05-05 Verification de transactions financieres electroniques

Country Status (5)

Country Link
US (1) US7725388B2 (fr)
EP (1) EP1627363A1 (fr)
AU (1) AU2004250576A1 (fr)
CA (1) CA2524908A1 (fr)
WO (1) WO2004114231A1 (fr)

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1990770A1 (fr) * 2006-03-01 2008-11-12 NEC Corporation Dispositif et procede d'authentification de visage et programme correspondant
GB2486706A (en) * 2010-12-21 2012-06-27 Sharp Kk A touch screen device with a random element unlocking mechanism

Families Citing this family (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1825413A2 (fr) 2004-12-16 2007-08-29 Mark Dwight Bedworth Validation d'utilisateur au moyen d'images
US20060179471A1 (en) * 2005-02-09 2006-08-10 Ogm Laboratory Llc System and method for providing secure disclosure of a secret
US20070017972A1 (en) * 2005-07-19 2007-01-25 Han-Ping Chen Credit card verification enhancement system
FR2900298B1 (fr) * 2006-04-21 2014-11-21 Trusted Logic Systeme et procede securise de traitement de donnees entre un premier dispositif et au moins un second dispositif dispositif de moyens de surveillance
US8793184B2 (en) * 2007-02-12 2014-07-29 Visa U.S.A. Inc. Mobile payment services
FR2923034B1 (fr) * 2007-10-26 2015-11-27 Ingenico Sa Terminal de paiement avec moyens de saisie securisee
GB2502773B (en) 2012-05-28 2015-03-11 Swivel Secure Ltd Method and system for secure user identification
US20150287040A1 (en) * 2014-04-02 2015-10-08 Microsoft Corporation System enforced two-party verification process in customer support workflow
CN104346560B (zh) * 2014-06-25 2017-06-16 腾讯科技（深圳）有限公司 一种安全验证方法及装置
US10447348B2 (en) * 2017-12-28 2019-10-15 Paypal, Inc. Near-field communication (NFC) chip activation

Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR2622322A1 (fr) * 1987-10-21 1989-04-28 Weck Arnaud De Systeme de clavier crypte
FR2684778A1 (fr) * 1991-12-06 1993-06-11 Maurras Jean Francois Clavier a initialisation aleatoire.
EP0564832A1 (fr) * 1992-04-03 1993-10-13 International Business Machines Corporation Système de vérification d'identité, résistant aux tentatives de fraude par observation de son utilisation
US5815083A (en) * 1993-07-01 1998-09-29 Bull Cp8 Process for entry of a confidential piece of information and associated terminal
US5949348A (en) * 1992-08-17 1999-09-07 Ncr Corporation Method and apparatus for variable keyboard display
EP0965961A1 (fr) * 1998-06-18 1999-12-22 Ncr International Inc. Ecran de visualisation pour terminal de libre service
FR2819067A1 (fr) * 2000-12-29 2002-07-05 Yakoubi Boualem Procede de gestion d'un acces a un systeme sensible, son pupitre d'acces et son utilisation associee

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ES499140A0 (es) * 1980-02-15 1982-07-01 Rehm Pty Ltd Perfeccionamientos en los aparatos de seguridad del tipo queincluyen teclados
US4479112A (en) * 1980-05-05 1984-10-23 Secure Keyboards Limited Secure input system
US6539363B1 (en) * 1990-08-30 2003-03-25 Ncr Corporation Write input credit transaction apparatus and method with paperless merchant credit card processing
GB9125540D0 (en) * 1991-11-30 1992-01-29 Davies John H E Access control systems
FR2693809B1 (fr) 1992-07-15 1994-10-07 Lemasson Jean Claude Procédé de transmission de sécurité, par voie tactile, d'une information, à partir d'au moins un signe parmi N signes pré-sélectionnés et dispositifs pour sa mise en Óoeuvre.
US6209104B1 (en) * 1996-12-10 2001-03-27 Reza Jalili Secure data entry and visual authentication system and method
US6253328B1 (en) * 1998-02-12 2001-06-26 A. James Smith, Jr. Method and apparatus for securing passwords and personal identification numbers
US6434702B1 (en) * 1998-12-08 2002-08-13 International Business Machines Corporation Automatic rotation of digit location in devices used in passwords
US6209102B1 (en) * 1999-02-12 2001-03-27 Arcot Systems, Inc. Method and apparatus for secure entry of access codes in a computer environment
US6549194B1 (en) * 1999-10-01 2003-04-15 Hewlett-Packard Development Company, L.P. Method for secure pin entry on touch screen display
US20020188872A1 (en) * 2001-06-06 2002-12-12 Willeby Tandy G. Secure key entry using a graphical user inerface
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Patent Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR2622322A1 (fr) * 1987-10-21 1989-04-28 Weck Arnaud De Systeme de clavier crypte
FR2684778A1 (fr) * 1991-12-06 1993-06-11 Maurras Jean Francois Clavier a initialisation aleatoire.
EP0564832A1 (fr) * 1992-04-03 1993-10-13 International Business Machines Corporation Système de vérification d'identité, résistant aux tentatives de fraude par observation de son utilisation
US5949348A (en) * 1992-08-17 1999-09-07 Ncr Corporation Method and apparatus for variable keyboard display
US5815083A (en) * 1993-07-01 1998-09-29 Bull Cp8 Process for entry of a confidential piece of information and associated terminal
EP0965961A1 (fr) * 1998-06-18 1999-12-22 Ncr International Inc. Ecran de visualisation pour terminal de libre service
FR2819067A1 (fr) * 2000-12-29 2002-07-05 Yakoubi Boualem Procede de gestion d'un acces a un systeme sensible, son pupitre d'acces et son utilisation associee

Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1990770A1 (fr) * 2006-03-01 2008-11-12 NEC Corporation Dispositif et procede d'authentification de visage et programme correspondant
EP1990770A4 (fr) * 2006-03-01 2010-12-15 Nec Corp Dispositif et procede d'authentification de visage et programme correspondant
US8290220B2 (en) 2006-03-01 2012-10-16 Nec Corporation Face authenticating apparatus, face authenticating method, and program
GB2486706A (en) * 2010-12-21 2012-06-27 Sharp Kk A touch screen device with a random element unlocking mechanism
GB2486706B (en) * 2010-12-21 2017-05-24 Sharp Kk Handset

Also Published As

Publication number Publication date
EP1627363A1 (fr) 2006-02-22
US7725388B2 (en) 2010-05-25
US20040225601A1 (en) 2004-11-11
CA2524908A1 (fr) 2004-12-29
AU2004250576A1 (en) 2004-12-29

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